Comparison
Recovia vs Baycorp.
Baycorp is one of Australia's largest traditional debt collection agencies, now part of the global Intrum group. Recovia is a technology-first collections platform built specifically for the Australian market. Here's how they compare across the dimensions that matter for your business.
This page is written by Recovia. We’ve tried to be honest — where Baycorp is a better fit for a particular customer, we say so. Details about Baycorp are from their public marketing site and may not reflect current internal pricing or feature scope. If anything here is out of date, tell us.
Modern platform vs traditional agency
Where the two differ.
Company type
Recovia · Technology-first collections platform (SaaS + agency)
Baycorp · Traditional collections agency, owned by Intrum (global debt purchaser)
Why it matters · Baycorp has been through several ownership changes — EzyCorp, Veda, and most recently Intrum, a Swedish debt purchaser. Recovia was built from scratch as a technology platform, not an agency.
SME suitability
Recovia · Built for SMEs — no minimum placement, self-serve upload, commission-only
Baycorp · Historically focused on large creditor and enterprise portfolios
Why it matters · Baycorp's core business is large portfolio management for major creditors. SMEs placing small commercial books often report difficulty getting account-level attention.
Debtor self-service portal
Recovia · Included — pay, plan, dispute, hardship, all mobile-first and included at no cost
Baycorp · Available; functionality varies by client agreement
Technology platform
Recovia · Modern cloud-native stack (Next.js, Postgres, real-time API)
Baycorp · Legacy systems with incremental modernisation
Why it matters · Older collections platforms often have limited API access and manual workflows — slower to onboard and harder to integrate with your ERP or accounting software.
Data residency
Recovia · Sydney, Australia (Fly.io ap-southeast-1)
Baycorp · Australia/NZ; ultimate parent (Intrum) is headquartered in Sweden
Pricing transparency
Recovia · Published commission rates; no lock-in contract
Baycorp · Commercial arrangements negotiated case by case; rates not published
Onboarding speed
Recovia · Same day — self-serve portal, first campaign live within an hour
Baycorp · Days to weeks depending on contract and integration requirements
Trust accounting
Recovia · Native per-client trust ledger with remittance workflow and audit trail
Baycorp · Standard trust accounting practices
Scale of operations
Recovia · Australia-focused; specialist depth over geographic breadth
Baycorp · Large AU/NZ footprint; part of global Intrum network
Why it matters · Scale is useful if you need multi-country collections. If your book is Australian, specialist depth in AU compliance and local courts is usually more valuable than global reach.
Pick Recovia when
- You're an SME with a small or mid-size book — no minimum placement required
- You want a modern self-serve portal, published pricing, and no lock-in contract
- You need same-day onboarding and a real-time dashboard of your accounts
- Your data needs to stay in Australia under clear Australian jurisdiction
- You want commission-only pricing — no upfront fees, no minimums
Pick Baycorp when
- You're a large enterprise with millions of accounts to place
- You need AU/NZ cross-border collections under a single vendor relationship
- You require the brand recognition and long track record of a major agency
- You have legacy integration requirements that need Baycorp's existing systems
See Recovia for yourself, no pitch deck.
Book 20 minutes with the founder. We'll load a sample of your accounts and walk through what a first month of recovery would look like on the platform.